The short answer
Insurers increasingly use drone, satellite, and AI imagery to flag roof age, algae, prior damage, or unpermitted additions. You can dispute with your own licensed roofer's inspection report and photos taken at ground level. State DOI complaints are appropriate when the denial cites cosmetic issues but ignores the roof's functional integrity.
Frequently asked
- Are drone denials legal?
- Yes — insurers have the right to inspect. But they must base decisions on the policy's inspection provisions and actual condition, not stale imagery.
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